Credit Tips: Credit Card Collections For Wrong Address

Posted On: August 13, 2006

Author: zach383z
Posted: Sun Aug 13, 2006 11:09 pm
Post subject: What would you have done in this situation???

I have three different sears cards, yes don’t ask why… (worked there) Well I had them for about a year then I moved. Put in the change of address forms and got all my bills fine for about 3 months. Then all of a sudden with the mix of all my bills coming in I did not realize that I didnt get one of my sears card bills.

Well I got the alert that my credit scored dropped/raised by 20 points from my providian account so I checked it. My score dropped about 75 points and I had no clue why. So from there I checked my credit reports and found I have a 120 past due account. I immediately found that it was my sears card and called to find out what was going on.

When I called them they said that I havent paid my bill for like 4 months, yet I never got a bill. After finding out that it was now sent to collections (keep in mind I never got a single call from them or letter) I panicked and paid it in full after calling the collection agency and them telling me if I paid it this would come off my report. They then made a deal for me to pay only what I owed on the card and not the over limit/ late fees.

After calling sears and the collections, I found out that somehow my address was changed again after I have been getting my bills for 3 months to a NON EXISTANT CITY (TEST, INDIANA)!!! I did not change this address and they could not verify with me how it got changed. After feeling that I got cheated and swindled finding out I still owed these fees for over limit and late fees accruing for 4 months, and it wasnt going to come off my credit report, I demanded to not have to pay these fees.

I spoke with their supervisor and he ended up dropping all but like 30 days late off of my credit report and all the fees except for $1xx dollars. Keep in mind I paid $560 to the collections, this card only has a $500 limit and had $435 on it before this happened. Total they said I owed was $850, $350 over my actual limit!!!

After a month I got my credit report and all of the derogatories were taken off and it is clean again. I feel as though I was still cheated on this deal since this was sent to a city that does NOT EVEN EXIST IN THIS COUNTRY.

What would you have done in this situation!?